The UK hub on Heaven Homes covers every postcode from Penzance to Inverness — houses, flats, new-builds, HMOs, commercial and land. Average prices vary wildly by region: London at ~£525k, Manchester ~£235k, Liverpool ~£175k, Edinburgh ~£305k, Cardiff ~£260k (Land Registry, 2026). Foreign buyers face a 2% SDLT surcharge on top of standard stamp duty (5% above the £250k threshold for second homes), but otherwise full ownership rights — no residency required. Investors target Manchester, Birmingham, Liverpool and Glasgow for net yields of 6-8% on single-lets and 9-12% on HMOs. The UK runs leasehold (most flats, capped 990y from 2025 reform) and freehold (most houses). Mortgage market is tightly regulated — Heaven Mortgages partners with UK brokers for non-resident BTL at 70-75% LTV. Renters benefit from the Tenant Fees Act (no agency fees), mandatory deposit protection (TDS/DPS/MyDeposits) and a 30-day damage-deposit cap of 5 weeks' rent. Luna AI handles UK-specific questions: "is this leasehold safe?", "what's the cladding situation post-Grenfell?", "is this in a Tier 2 conservation area?". Crypto property purchase is legal in the UK; closing typically completes in 8-12 weeks via solicitor.
